Highest FHA limit in Washington
$1,063,750
In 2026, FHA one-unit limits in Washington range from $541,287 to $1,063,750 (King County). 25 of 39 counties use the national floor.
25 of 39counties at the $541,287 floor
All Washington counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| King County | $1,063,750 | $1,361,800 | $2,045,700 | $1,063,750 |
| Pierce County | $1,063,750 | $1,361,800 | $2,045,700 | $1,063,750 |
| Snohomish County | $1,063,750 | $1,361,800 | $2,045,700 | $1,063,750 |
| Clark County | $701,500 | $898,050 | $1,349,050 | $832,750 |
| Skamania County | $701,500 | $898,050 | $1,349,050 | $832,750 |
| San Juan County | $680,800 | $871,550 | $1,309,250 | $832,750 |
| Island County | $671,600 | $859,750 | $1,291,550 | $832,750 |
| Whatcom County | $664,700 | $850,950 | $1,278,300 | $832,750 |
| Skagit County | $621,000 | $795,000 | $1,194,250 | $832,750 |
| Kitsap County | $616,400 | $789,100 | $1,185,400 | $832,750 |
| Chelan County | $586,500 | $750,800 | $1,127,900 | $832,750 |
| Douglas County | $586,500 | $750,800 | $1,127,900 | $832,750 |
| Thurston County | $586,500 | $750,800 | $1,127,900 | $832,750 |
| Whitman County | $579,600 | $742,000 | $1,114,650 | $832,750 |
| Adams County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Asotin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Benton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clallam County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Columbia County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cowlitz County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ferry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Garfield County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grant County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grays Harbor County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jefferson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kittitas County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Klickitat County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lewis County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lincoln County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mason County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Okanogan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pacific County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pend Oreille County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Spokane County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stevens County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wahkiakum County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Walla Walla County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Yakima County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Washington for 2026?
In 2026, FHA one-unit limits in Washington range from $541,287 to $1,063,750 (King County). 25 of 39 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.